In this case, your due diligence is confined to researching the HML, his/her operation, reputation, the specific pool, and most importantly his or her ability to structure profitable loans.

Perhaps even 12 months reserves as well to make you feel warm and cozy =)?

It makes people feel cozy and at home:)

I dont mind the working, I mean the 8-5, I just dont like being confined to one area and being told when I can eat, for how long, and that sort of thing, we're in a high rise building, so when i look out window it's so pretty, it makes me feel like a caged eagle .

I would like to work within the confines of the laws and I can't see myself being completely hands off to the remodelling phase.

Yeah I'll stay in my cozy corner of the world for now!

I've been looking into different platforms for managing my properties, and I was wondering if anyone has used Cozy and what your thoughts are.1.

+1 for cozy.

I've been looking at Pendo and Cozy but it doesn't look like Cozy has much for income and expense reporting. 

When my tenants applied to rent, I sent them an email from cozy, which sent them instructions on how to submit their background and credit check (the tenants paid $40 to cozy for the screening).